{"id":16103,"date":"2025-05-04T03:36:06","date_gmt":"2025-05-04T03:36:06","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=16103"},"modified":"2025-05-04T03:36:06","modified_gmt":"2025-05-04T03:36:06","slug":"yapi-kredi-3-ceyrekte-5-milyar-tl-kar-etti","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2025\/05\/04\/yapi-kredi-3-ceyrekte-5-milyar-tl-kar-etti\/","title":{"rendered":"Yap\u0131 Kredi 3. \u00e7eyrekte 5 milyar TL k\u00e2r etti"},"content":{"rendered":"
\n

BURCU KIRATLI\/BLOOMBERG HT ARA\u015eTIRMA ANAL\u0130ST\u0130<\/strong><\/p>\n

Yap\u0131 Kredi Bankas\u0131, y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde beklentilere paralel olarak 5 milyar 1 milyon lira k\u00e2r a\u00e7\u0131klad\u0131. A\u00e7\u0131klanan net k\u00e2r, hem bankan\u0131n beklentisi olan 4 milyan 848 milyon TL hem de piyasa beklentisi olan 4 milyar 971 milyon TL ile uyumlu ger\u00e7ekle\u015fti. Y\u0131l\u0131n ilk \u00fc\u00e7 ay\u0131 itibar\u0131yla toplam k\u00e2r rakam\u0131 ise 22,4 milyar TL olarak kaydedildi, bu da y\u00fczde 54’l\u00fck bir d\u00fc\u015f\u00fc\u015f anlam\u0131na geliyor.<\/p>\n

\u00d6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 bu d\u00f6nemde y\u00fczde 16,4 seviyesinde ger\u00e7ekle\u015firken, 2023’te bu oran y\u00fczde 45’ti. \u00c7eyreklik bazda artan kar\u015f\u0131l\u0131k oranlar\u0131 net k\u00e2r\u0131 bask\u0131larken, swap eklenmi\u015f net faiz gelirlerinde ise k\u0131smi bir toparlanma g\u00f6zlemlendi. Banka, orta-\u00fcst seviyelerde y\u00fczde 20’li rakamlarda \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 beklentisi \u00fczerinde marjlardan kaynakl\u0131 a\u015fa\u011f\u0131 y\u00f6nl\u00fc riskler \u00f6ng\u00f6r\u00fcyor.<\/p>\n<\/div>\n

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TL krediler \u00e7eyreklik bazda yatay kal\u0131rken, yabanc\u0131 para krediler y\u00fczde 10 b\u00fcy\u00fcme kaydetti. Mevduat taraf\u0131nda TL b\u00fcy\u00fcme y\u00fczde 2 seviyesinde ger\u00e7ekle\u015fti. Banka, TL kredilerde reel b\u00fcy\u00fcme beklerken, y\u0131lba\u015f\u0131ndan bu yana b\u00fcy\u00fcme y\u00fczde 28 olarak ger\u00e7ekle\u015fti.<\/p>\n

Swap eklenmi\u015f net faiz marj\u0131, y\u0131l\u0131n ilk 9 ay\u0131nda y\u00fczde 0,3 olarak kaydedildi. \u00c7eyreklik olarak TL kredi mevduat makas\u0131 236 baz puan artt\u0131. Bunun net faiz marj\u0131 \u00fczerindeki etkisi ise reg\u00fclasyonlar ve s\u0131k\u0131 para politikas\u0131 nedeniyle s\u0131n\u0131rl\u0131 kald\u0131. Banka, y\u0131l sonu net faiz marj\u0131 beklentisi olan y\u00fczde 2 \u00fczerinde a\u015fa\u011f\u0131 y\u00f6nl\u00fc riskler bekliyor. Y\u0131l sonu net faiz marj\u0131n\u0131n ise y\u00fczde 4,5 seviyelerinde olmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Bu d\u00f6nemde komisyon gelirleri, \u00f6deme sistemlerinin katk\u0131s\u0131yla y\u0131ll\u0131k y\u00fczde 145 b\u00fcy\u00fcme g\u00f6sterdi.<\/p>\n

Faaliyet giderleri, artan personel ve m\u00fc\u015fteri kazan\u0131m maliyetleriyle 9 ayl\u0131k d\u00f6nemde, y\u0131ll\u0131k bazda y\u00fczde 76 artt\u0131. Komisyon gelirlerinin faaliyet giderlerini kar\u015f\u0131lama oran\u0131 ise y\u00fczde 98 olarak ger\u00e7ekle\u015fti.<\/p>\n

T\u00fcketici kredileri kaynakl\u0131 olarak yeni takip giri\u015fleri \u00e7eyreklik bazda y\u00fczde 48 artarak 7,9 milyar TL\u2019ye ula\u015ft\u0131. Tahsilat performans\u0131 ve kar\u015f\u0131l\u0131k iptallerinin 261 baz puanl\u0131k deste\u011fine ra\u011fmen, k\u00fcm\u00fclatif risk maliyeti 2024 9 ayl\u0131k d\u00f6nemde 23 baz puana y\u00fckseldi.<\/p>\n<\/div>\n<\/p>\n

<\/p>\n

Kaynak :\u00a0https:\/\/www.bloomberght.com\/yapi-kredi-3-ceyrekte-5-milyon-tl-net-kr-etti-3733412<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Yap\u0131 Kredi Bankas\u0131 2024 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek d\u00f6neminde 5 milyar TL net k\u00e2r elde etti. Bu rakamla bankan\u0131n k\u00e2r\u0131 \u00e7eyreklik bazda y\u00fczde 30, y\u0131ll\u0131k bazda ise y\u00fczde 80 azal\u0131\u015f g\u00f6stermi\u015f oldu.<\/p>\n","protected":false},"author":1,"featured_media":16104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[329,116,296,274],"manset":[],"class_list":["post-16103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-baz","tag-buyume","tag-kar","tag-kredi"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/16103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/comments?post=16103"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/16103\/revisions"}],"predecessor-version":[{"id":16105,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/16103\/revisions\/16105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/16104"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=16103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=16103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=16103"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=16103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}